United Security Bancshares (UBFO) Financial Ratios Annual - Discounting Cash Flows
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UBFO
United Security Bancshares
UBFO (NASDAQ)
  • Financials

  • United Security Bancshares Financial Ratios Annual

Annual Quarterly

* (except for per share items) of USD
Period Ending: LTM
(Last Twelve Months) 		2024
12-31 		2023
12-31 		2022
12-31 		2021
12-31 		2020
12-31 		2019
12-31 		2018
12-31 		2017
12-31 		2016
12-31 		2015
12-31 		2014
12-31 		2013
12-31 		2012
12-31 		2011
12-31 		2010
12-31 		2009
12-31 		2008
12-31 		2007
12-31 		2006
12-31 		2005
12-31 		2004
12-31 		2003
12-31 		2002
12-31 		2001
12-31 		2000
12-31 		1999
12-31 		1998
12-31
Price Ratios
Price to Earnings Ratio 15.88 11.74 7.27 7.94 13.68 13.36 11.99 11.55 21.5 17.35 12.72 13.53 9.92 5.94 -2.74 -11 -12.1 34.3 16.26 20.46 15.76 17.08 19.33 14.11 14.94 14.92 21.92 17.84
Price to Sales Ratio 2.88 2.65 2.18 2.44 3.37 3.02 3.87 3.93 5 3.77 2.69 2.8 2.63 1.15 0.908 1.27 1.31 2.61 2.74 4.85 3.84 4.03 4.49 2.83 2.69 2.97 9.2 5.97
Price to Book Ratio 1.31 1.33 1.17 1.11 1.15 1.02 1.57 1.48 1.83 1.33 0.967 1.02 0.942 0.519 0.477 0.667 0.724 1.75 2.22 4.14 2.94 2.7 3.31 2.38 1.81 2.77 3.81 3.01
Price to Free Cash Flow Ratio 8.49 9.34 6.99 5.78 9.03 9.45 11.96 15.69 28.9 15.28 10.15 10.21 6.7 4.07 6.11 5.54 4.24 11.42 10.3 16.92 14.09 17.93 13.1 8.91 12.26 13.07 0 0
Price to Operating Cash Flow Ratio 7.78 8.84 6.73 5.26 8.35 8.67 11.26 14.27 24.59 13.55 9.35 9.34 6.06 3.71 5.14 5.09 4.11 11.09 9.65 16.92 12.39 14.95 12.29 8.57 11.48 12.52 0 0
Price Earnings to Growth Ratio 10.32 -0.454 0.279 0.142 1.21 -0.325 1.42 0.184 1.35 1.73 1.15 -0.831 0.51 -0.038 -0.01 0.297 0.057 -0.539 -0.794 0.928 0.557 2.85 1.74 1.13 -6.13 0.725 1.27 0
EV to EBITDA -1.11 -1.13 -0.117 -4.53 -17.02 -18.36 -4.37 -5.53 3.07 -2.03 -4.49 -4.58 -10.55 -13 11.21 2.1 -19.75 31.65 9.79 10.94 8.17 8.23 9.89 10.72 9.56 11.29
Liquidity Ratios
Current Ratio 0.2 0.21 0.216 0.218 0.341 0.404 0.371 0.366 0.227 0.259 0.258 0.275 0.335 0.314 0.29 0.177 0.039 0.063 0.047 0.069 0.071 0.075 0.072 0.062 0.049 0.071 0 0
Quick Ratio 0.2 0.21 0.216 0.218 0.341 0.404 0.371 0.366 0.227 0.259 0.258 0.275 0.335 0.314 0.29 0.177 0.039 0.063 0.047 0.069 0.071 0.075 0.072 0.062 0.049 0.071 0 0
Cash Ratio 0.062 0.053 0.038 0.033 0.185 0.309 0.268 0.273 0.157 0.167 0.205 0.186 0.252 0.254 0.22 0.173 0.035 0.06 0.042 0.062 0.065 0.07 0.067 0.057 0.04 0.06 0 0
Debt Ratio 0.01 0.012 0.062 0.01 0.01 0.013 0.015 0.011 0.021 0.019 0.02 0.023 0.027 0.025 0.022 0.063 0.073 0.219 0.059 0.023 0.025 0.025 0.03 0.098 0.063 0.135 0 0
Debt to Equity Ratio 0.086 0.113 0.609 0.115 0.116 0.118 0.123 0.093 0.165 0.151 0.158 0.18 0.22 0.232 0.235 0.582 0.669 2.1 0.553 0.234 0.262 0.292 0.341 1.26 0.557 1.43 0 0
Long Term Debt to Capitalization 0.062 0.082 0.084 0.088 0.085 0.085 0.085 0.085 0.088 0.084 0.085 0.109 0.127 0.127 0.127 0.127 0.124 0.13 0.139 0.19 0.208 0.226 0.254 0.278 0.018 0.02 0 0
Total Debt to Capitalization 0.079 0.102 0.379 0.103 0.104 0.105 0.11 0.085 0.142 0.131 0.137 0.153 0.18 0.188 0.19 0.368 0.401 0.677 0.356 0.19 0.208 0.226 0.254 0.557 0.358 0.588 0 0
Interest Coverage Ratio 1.24 1.46 2.49 6.9 6.4 5.42 5.47 7.17 9.13 8.7 8.83 7.74 4.58 3.69 -4.23 -1.67 -0.913 0.38 0.866 1.51 1.8 2.08 1.7 0.846 0.699 0.841 0.991 0.804
Cash Flow to Debt Ratio 1.96 1.33 0.286 1.83 1.19 0.994 1.13 1.12 0.451 0.647 0.654 0.603 0.706 0.604 0.394 0.225 0.264 0.075 0.416 1.05 0.905 0.618 0.79 0.22 0.284 0.155 0 0
Margins
Gross Profit Margin 72.56% 74.24% 81.02% 90.2% 89.8% 87.25% 91.68% 97.72% 95.28% 95.92% 96.15% 98.34% 98.13% 90.18% 49.26% 55.6% 50.69% 54.26% 60.69% 73.3% 76.1% 78.72% 72.97% 60.45% 55.9% 58.31% 23.71% 22.19%
Operating Profit Margin 24.81% 31.04% 41.66% 43.25% 32.45% 31.29% 45.27% 47.07% 42.48% 36.05% 35.11% 34.6% 26.85% 24.23% -38.37% -19.92% -15.93% 10.61% 26.67% 37.94% 38.51% 37.64% 37.26% 28.59% 27.31% 30.84% 66.94% 54.91%
Pretax Profit Margin 24.81% 31.04% 41.66% 43.25% 32.45% 31.29% 45.27% 47.01% 42.19% 36.05% 35.11% 34.6% 26.85% 24.23% -38.37% -19.92% -15.93% 10.61% 26.67% 37.94% 38.51% 37.54% 37.26% 28.59% 27.31% 30.84% 66.94% 54.91%
Net Profit Margin 17.95% 22.58% 30.02% 30.76% 24.61% 22.59% 32.3% 34.06% 23.25% 21.73% 21.14% 20.66% 26.47% 19.35% -33.11% -11.55% -10.81% 7.61% 16.85% 23.69% 24.37% 23.6% 23.21% 20.05% 18.03% 19.88% 41.97% 33.46%
Operating Cash Flow Margin 36.63% 29.99% 32.41% 46.47% 40.34% 34.79% 34.4% 27.56% 20.33% 27.83% 28.76% 29.92% 43.35% 30.95% 17.66% 24.99% 31.84% 23.53% 28.39% 28.66% 30.99% 26.95% 36.5% 33% 23.48% 23.68% 0% 0%
Free Cash Flow Margin 33.89% 28.41% 31.22% 42.27% 37.29% 31.91% 32.36% 25.07% 17.29% 24.67% 26.51% 27.37% 39.17% 28.24% 14.86% 22.93% 30.85% 22.85% 26.61% 28.66% 27.26% 22.49% 34.26% 31.74% 21.99% 22.69% 0% 0%
Return
Return on Assets 0.92% 1.22% 1.63% 1.21% 0.759% 0.82% 1.59% 1.5% 1.07% 0.937% 0.938% 0.937% 1.14% 0.935% -1.66% -0.655% -0.655% 0.535% 1.46% 1.97% 1.75% 1.37% 1.52% 1.32% 1.37% 1.75% 1.75% 1.51%
Return on Equity 8.5% 11.34% 16.15% 13.95% 8.4% 7.61% 13.08% 12.83% 8.52% 7.64% 7.6% 7.5% 9.5% 8.74% -17.39% -6.06% -5.98% 5.11% 13.66% 20.23% 18.65% 15.79% 17.11% 16.85% 12.13% 18.54% 17.39% 16.87%
Return on Capital Employed 9.84% 13.19% 19.01% 16.5% 9.32% 8.87% 15.36% 15.21% 13.37% 11.01% 10.89% 10.65% 7.9% 8.89% -16.31% -9.12% -7.79% 6.2% 18.6% 24.12% 21.61% 18.15% 18.93% 16.59% 18.38% 26.81% 18.4% 25.19%
Return on Invested Capital 12.23% 15.1% 19.07% 16.49% -13.22% -5.82% -18.85% -15.09% 85.59% -418.4% -29.02% -84.65% -16.78% -10.53% 21.81% 23.47% -6.99% 7.88% 16.66% 25.67% 24.49% 23.37% 21.61% 21.01% 17.65% 36.75% 11.54% 15.34%
Turnover Ratios
Receivables Turnover Ratio 8.47 8.08 8.32 6.01 5.45 4.86 5.72 4.93 5.69 8.73 14.51 15.61 16.7 18.52 16.78 17.86 16.81 22.34 18.27 13.31 13.31 14.12 15.73 13.99 9.15 8.88 0 0
Payables Turnover Ratio 0 0 0 0 0 0 66.24 16.47 39.86 18.26 42.76 12.5 11.66 43.38 149.2 3.53 4.11 4.07 2.9 6.08 5.76 6.5 11.22 11.2 11.92 10.55 0 0
Inventory Turnover Ratio 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Fixed Asset Turnover Ratio 4.42 5.58 6.32 4.34 3.55 3.31 3.69 4.18 3.66 3.25 2.98 2.6 2.27 2.56 2.58 2.98 3.16 3.74 4.29 3.68 4.1 4.4 7.27 12.88 11.23 9.25 0 0
Asset Turnover Ratio 0.051 0.054 0.054 0.039 0.031 0.036 0.049 0.044 0.046 0.043 0.044 0.045 0.043 0.048 0.05 0.057 0.061 0.07 0.087 0.083 0.072 0.058 0.066 0.066 0.076 0.088 0.042 0.045
Per Share Items ()
Revenue Per Share 3.67 3.81 3.85 2.99 2.41 2.34 2.77 2.44 2.2 2.03 1.89 1.77 1.63 1.86 1.94 2.28 2.49 3.17 3.92 3.51 2.8 2.23 2.15 2.23 2.23 2.07 0 0
Operating Cash Flow Per Share 1.35 1.14 1.25 1.39 0.973 0.813 0.953 0.671 0.447 0.566 0.544 0.529 0.707 0.576 0.342 0.57 0.794 0.745 1.11 1.01 0.869 0.602 0.783 0.735 0.523 0.49 0 0
Free Cash Flow Per Share 1.24 1.08 1.2 1.27 0.899 0.746 0.897 0.611 0.381 0.502 0.502 0.484 0.639 0.526 0.288 0.523 0.769 0.723 1.04 1.01 0.765 0.502 0.735 0.707 0.49 0.469 0 0
Cash & Short Term Investments 12.05 12.43 12.97 14.44 23.4 22.17 17.42 16.97 8.88 10.21 9.29 9.01 10.71 10.38 9.79 6.1 1.24 2.36 1.65 2.28 2.21 2.37 1.92 1.71 1.03 1.26 0 0
Earnings Per Share 0.659 0.86 1.16 0.921 0.594 0.528 0.895 0.829 0.512 0.442 0.4 0.365 0.432 0.36 -0.642 -0.264 -0.269 0.241 0.66 0.831 0.683 0.527 0.498 0.447 0.402 0.411 0 0
EBITDA Per Share 1.05 1.31 1.73 1.41 0.85 0.779 1.34 1.23 1.01 0.819 0.75 0.697 0.514 0.561 -0.639 -0.321 -0.255 0.499 1.2 1.43 1.17 0.924 0.88 0.739 0.712 0.712 0.533 0.474
Dividend Per Share 0.467 0.483 0.46 0.44 0.44 0.44 0.44 0.28 0.17 0 0 0 0 0 0 0 0.001 0.27 0.348 0.304 0.247 0.22 0.2 0.18 0.159 0.127 0 0
Enterprise Value Per Share -1.17 -1.47 -0.203 -6.37 -14.47 -14.3 -5.85 -6.79 3.11 -1.66 -3.37 -3.19 -5.43 -7.29 -7.16 -0.673 5.03 15.78 11.75 15.69 9.52 7.6 8.7 7.92 6.81 8.04 0 0
Book Value Per Share 7.76 7.58 7.16 6.6 7.07 6.94 6.84 6.46 6 5.79 5.26 4.87 4.54 4.12 3.69 4.35 4.5 4.71 4.83 4.11 3.66 3.34 2.91 2.65 3.31 2.22 0 0
Price Per Share 10.19 10.1 8.41 7.31 8.12 7.05 10.73 9.58 11 7.67 5.09 4.94 4.28 2.14 1.76 2.9 3.26 8.26 10.73 17.01 10.77 9 9.63 6.3 6 6.13 0 0
Dividend Ratios
Dividend Payout Ratio 73.45% 56.19% 39.76% 47.79% 74.16% 83.34% 49.16% 33.76% 33.22% 0% 0% 0% 0% 0% 0% 0% -0.242% 112% 52.68% 36.53% 36.16% 41.76% 40.2% 40.32% 39.53% 30.99% 31.21% 29.34%
Annual Dividend Yield 4.58% 4.79% 5.47% 6.02% 5.42% 6.24% 4.1% 2.92% 1.55% 0% 0% 0% 0% 0% 0% 0% 0.02% 3.27% 3.24% 1.79% 2.29% 2.44% 2.08% 2.86% 2.65% 2.08% 1.42% 1.64%
Effective Tax Rate 27.64% 27.25% 27.95% 28.89% 24.16% 27.8% 28.67% 27.56% 44.89% 39.73% 39.77% 40.28% 1.42% 20.17% 13.69% 42.01% 32.15% 28.28% 36.82% 37.56% 36.73% 37.14% 37.7% 29.88% 33.96% 35.54% 37.31% 39.08%
Short Term Coverage Ratio 0 0 0.345 0 0 0 0 0 0 0 0 0 0 0 0 0.3 0.334 0.081 0.588 0 0 0 0 0.318 0.293 0.157 0 0
Capital Expenditure Coverage Ratio 13.36 18.9 27.16 11.07 13.21 12.09 16.9 11.08 6.7 8.81 12.78 11.72 10.38 11.38 6.31 12.14 32.36 34.67 15.81 0 8.32 6.03 16.29 26.1 15.69 23.97 0 0
EBIT Per Revenue 0.248 0.31 0.417 0.433 0.325 0.313 0.453 0.471 0.425 0.361 0.351 0.346 0.269 0.242 -0.384 -0.199 -0.159 0.106 0.267 0.379 0.385 0.376 0.373 0.286 0.273 0.308 0.669 0.549
EBITDA Per Revenue 0.286 0.343 0.449 0.47 0.352 0.333 0.483 0.504 0.461 0.403 0.396 0.394 0.315 0.301 -0.33 -0.14 -0.102 0.158 0.306 0.409 0.416 0.414 0.41 0.332 0.32 0.344 0.669 0.549
Days of Sales Outstanding 43.07 45.18 43.88 60.75 66.99 75.12 63.77 73.97 64.09 41.83 25.16 23.38 21.85 19.71 21.75 20.44 21.71 16.34 19.98 27.43 27.42 25.86 23.2 26.1 39.87 41.1 0 0
Days of Inventory Outstanding 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Days of Payables Outstanding 0 0 0 0 0 0 5.51 22.16 9.16 19.99 8.54 29.2 31.31 8.41 2.45 103.3 88.83 89.67 125.7 60.05 63.38 56.16 32.54 32.58 30.61 34.6 0 0
Cash Conversion Cycle 43.07 45.18 43.88 60.75 66.99 75.12 58.26 51.82 54.94 21.84 16.62 -5.82 -9.45 11.3 19.31 -82.83 -67.12 -73.33 -105.7 -32.63 -35.96 -30.31 -9.34 -6.48 9.26 6.51 0 0
Cash Conversion Ratio 2.04 1.33 1.08 1.51 1.64 1.54 1.07 0.809 0.874 1.28 1.36 1.45 1.64 1.6 -0.533 -2.16 -2.95 3.09 1.69 1.21 1.27 1.14 1.57 1.65 1.3 1.19 0 0
Free Cash Flow to Earnings 1.89 1.26 1.04 1.37 1.51 1.41 1 0.736 0.744 1.14 1.25 1.32 1.48 1.46 -0.449 -1.99 -2.85 3 1.58 1.21 1.12 0.953 1.48 1.58 1.22 1.14 0 0

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